Compare Travel insurance



Important to note: Travel insurance is not valid for trips to Ukraine, Israel and others countries where active hostilities are taking place.

Important when traveling to the Alps in Italy: From January 1, 2022, when traveling to Italy When skiing, snowboarding or tobogganing in the Alps, it is mandatory for all travelers to have a valid civil liability insurance policy. Therefore, be sure to pay attention to whether the selected program includes this risk.


Compensa insurance company logo

Compensa Travel insurance

  • Policy period: Short-term (1-45 days), Annual (365 days)
  • Purpose of the trip:
    • Recreation or Business trip
    • Skiing/snowboarding
    • Active recreation or sports
    • Studies abroad
  • Programs: Standard, Gold, Platinum
  • Policy purchase online: Yes
  • Purchasing a policy while traveling: Yes
  • 24-hour support abroad: Yes, by calling +371 67 55 8888
  • Non-flight insurance: Yes, available online
  • Possibility to insure several persons in one policy: Yes
  • Teritory:
    • Baltics
    • Europe
    • Worldwide
    • Worldwide except US, Canada, Australia, New Zealand and Japan
  • The Gold Program includes (limit on the amount to be paid in brackets):
    • Medical expenses (100 000 EUR)
    • Dental expenses (300 EUR)
    • Medical transport (100 000 EUR)
    • Medical transport in the host country (500 EUR)
    • Repatriation of the insured in case of illness or death (100 000 EUR)
    • Funeral expenses abroad (10 000 EUR)
    • Expenditure for one family member (20 000 EUR)
    • Bērna nogādāšana mītnes zemē (30 000 EUR)
    • Medical aids (300 EUR)
    • Accidental death (15 000 EUR)
    • Theft of luggage (300 EUR)
    • Baggage damage, loss (1 000 EUR)
    • Baggage delay (200 EUR)
    • Loss or theft of your passport or ID card (300 EUR)
    • Alternative transport costs due to natural disasters (500 EUR)
    • Recreational activities (100 000 EUR)
    • Late arrival at departure (850 EUR)
    • Flight delay or cancellation (200 EUR)
    • Transit delayed (300 EUR)
    • Trip cancellation (1 000 EUR)
    • Trip cancellation (700 EUR)
    • Civil liability (50 000 EUR)
    • Pay for phone calls (20 EUR)
    • Dry cleaning of clothes after an accident (100 EUR)
    • Cash theft (100 EUR)
  • Gold program price: starting from 2.64 EUR per day
  • Gold program price for Seniors: starting from 3.40 EUR per day
  • Discounts for children: None
  • Covid-19 Insurance: Yes, it is included
  • Terms: Read the terms
  • Information document: Read the information document

Balta insurance company logo

Balta Travel insurance

  • Policy period: Short, Annual
  • Purpose of the trip:
    • Recreation
    • Business trip
    • Studies abroad
    • Winter sports trip
    • Insurance for obtaining a visa to Russia and Belarus
  • Programs: Bronze, Silver, Gold
  • Policy purchase online: Yes
  • Purchasing a policy while traveling:
  • 24-hour support abroad: +371 675 333 75
  • Non-flight insurance: Yes
  • Possibility to insure several persons in one policy: Yes
  • Teritory:
    • Lithuania, Estonia
    • Europe + Turkey, Egypt, Israel, Tunisia, Georgia
    • Whole world
    • Worldwide except US and Canada
  • Additional high-risk activities available
    • Riding a scooter or quad bike
    • Amateur sports
    • Diving
    • Extreme sports and extreme activities
    • Rental car
    • Home insurance during travel
  • Included in the standard (Bronze) program (limit on the amount to be paid in brackets):
    • Medical expenses (80 000 EUR)
    • Dental expenses (200 EUR)
    • Medical transport (80 000 EUR)
    • Accidents (10 000 EUR)
    • Medical transport in the host country (200 EUR)
    • Repatriation of the Insured in case of illness or death (80 000 EUR)
    • Funeral expenses abroad (5 000 EUR)
    • Travel expenses for the arrival of a loved one (15 000 EUR)
    • Transfer of the child to the country of residence (20 000 EUR)
    • Medical aids (300 EUR)
    • Hospital allowance (150 EUR)
    • Travel documents (150 EUR)
    • Pay for phone calls (30 EUR)
    • Leisure activities (80 000 EUR)
  • Standard program price: starting from EUR 3.00 per day
  • Standard program price for Seniors: starting from EUR 3.00 per day
  • Discount for children: None
  • Covid-19 insurance: Yes
  • Terms: Read terms
  • Information document: Read the information document

IF insurance company logo

IF Travel insurance

  • Policy period: 1 - 365 days
  • Purpose of the trip:
  • Programs: Standard, High Risk Activities
  • Policy purchase online: Yes
  • Purchasing a policy while traveling: Yes
  • 24-hour support abroad: Yes, by calling +371 67 338 333
  • Non-flight insurance: No
  • Possibility to insure several persons in one policy: Yes
  • Teritory:
    • Baltics + Nordic countries
    • Europe
    • Europe + Egypt, Turkey, etc.
    • Whole world
    • Worldwide except US and Canada
  • Additional included risks available
    • Civil liability and legal assistance
    • Accidents
    • Rental car
    • High risk activities
  • Included in the standard program (limit on the amount to be paid in brackets):
    • Medical expenses (100 000 EUR)
    • Dental expenses (500 EUR)
    • Medical transport
    • Medical transport in the host country
    • Repatriation of the Insured in case of illness or death
    • Funeral expenses abroad
    • Expenditure per family member
    • Transfer of the child to the country of residence
    • Medical aids
    • Accidental death
    • Phone calls abroad (200 EUR)
    • Loss or theft of your passport or ID card
    • Alternative transport costs due to natural disasters
    • Leisure activities
  • Standard program price: starting from 1.52 EUR per day
  • Standard program price for Seniors: starting from 3.79 EUR per day
  • Discount for children: None
  • Terms: Read terms
  • Information document: Read the information document

BTA insurance company logo

BTA Travel insurance

  • Policy period: Short-term, Annual
  • Purpose of the trip:
    • Recreation
    • Scuba Diving
    • Hobby + Competition
    • Sports
    • Extreme Sports
    • Skiing, snowboarding
  • Programs: Required, Optimal, Gold
  • Policy purchase online: Yes
  • Purchasing a policy while traveling: Yes
  • 24-hour support abroad: Yes, by calling +371 26 12 12 12
  • Non-flight insurance: No
  • Possibility to insure several persons in one policy: Yes
  • Teritory:
    • Europe
    • Baltic Sea Area
    • Russia
    • Worldwide
    • Republic of Latvia + EU and Schengen countries
  • The standard program includes (payout limit in parentheses):
    • Medical expenses (€ 80,000)
    • Dental expenses (200 EUR)
    • Medical transport (€ 80,000)
    • Repatriation of the Insured in case of illness or death (EUR 80,000)
    • Loss or theft of travel documents($ 200)
    • Arrival of a loved one in exceptional cases (500 EUR)
    • Payment for telephone calls (100 EUR)
    • Insurance during natural disasters is included
  • Standard program price: starting from 1.19 EUR per day for trips around Europe
  • Standard program price for Seniors: starting from 4.45 EUR per day
  • Discount for children: None
  • Covid-19 Insurance: Yes
  • Terms: Read terms
  • Information document: read the information document

Gjensidige insurance company logo

Gjensidige Travel insurance

  • Policy period: Short-term, Annual
  • Purpose of the trip:
    • Recreation
    • Business trip
    • Easy physical work
    • Hard physical work
    • Studies abroad
  • Programs: Basic, LUX, VIP
  • Policy purchase online: Yes, -10%
  • Purchasing a policy while traveling: No
  • 24-hour support abroad: Yes, by calling +371 67 11 2222
  • Non-flight insurance: No
  • Possibility to insure several persons in one policy: Yes
  • Teritory:
    • Europe (except Russia, Belarus, Ukraine)
    • Worldwide (except Russia, Belarus, Ukraine, USA, Canada, Israel, Japan, New Zealand, Australia)
    • The whole world (except Russia, Belarus, Ukraine)
  • Additional choice for sports activity trips
    • Active recreation (without sports)
    • Amateur sports
    • Extreme recreation
    • Professional sports
    • Winter sports
  • The standard program includes (payout limit in parentheses):
    • Medical expenses (50 000 EUR)
    • Repatriation expenses (25 000 EUR)
    • Personal documents (250 EUR)
    • Dental Services (200 EUR)
    • Urgent surgery (50 000 EUR)
    • Medicines prescribed by a doctor (50 000 EUR)
    • Acute pregnancy complications (1 000 EUR)
    • Medical supplies and technical aids (300 EUR)
    • Transportation to a medical facility (50 000 EUR)
    • Phone expenses (30 EUR)
    • Medical transport (25 000 EUR)
    • Accompanying medical staff (25 000 EUR)
    • Accompanying expenses (25 000 EUR)
    • Repatriation of mortal remains (25 000 EUR)
    • Funeral costs abroad (5 000 EUR)
  • Price of the basic program: starting from EUR 3.00 per day
  • Basic program price for Seniors: starting from 5.16 EUR per day
  • Discount for children: None
  • Covid-19 Insurance: Yes
  • Terms: Read terms
  • Information document: Read the information document:

Ergo insurance company logo

ERGO Travel insurance

  • Policy period: 1 - 365 days
  • Purpose of the trip:
    • Recreation or Business trip
    • Sport activities
    • Competitions, trainings
    • Physical job
  • Programs: Standard, Extended, Premium, Individual
  • Policy purchase online: Yes, -25%
  • Purchasing a policy while traveling: No
  • 24-hour support abroad: +371 6708 1887
  • Non-flight insurance: No
  • Possibility to insure several persons in one policy: Yes
  • Teritory:
    • Russia
    • Belarus
    • Europe
    • Whole world (no exceptions)
    • Worldwide (except USA, Canada, Caribbean, Australia, New Zealand and Israel)
  • Standard coverage includes + limits on the amount to be paid in brackets:
    • Medical assistance (75 000 EUR)
    • Medical expenses (75 000 EUR)
    • Dentistry (750 EUR)
    • Medical transport (75 000 EUR)
    • Medical transport in the host country (375 EUR)
    • Repatriation of the Insured in case of illness or death (75 000 EUR)
    • Funeral expenses abroad (11 250 EUR)
    • Expenditure per family member (11 250 EUR)
    • Transfer of the child to the country of residence (11 250 EUR)
    • Travel expenses to continue the trip (750 EUR)
    • Accidents, death, disability (5 000 EUR)
    • Loss or theft of your passport or ID card (100 EUR)
    • Phone expenses (75 EUR)
  • Standard program price: starting from EUR 3.00 per day
  • Basic program price for Seniors: starting from 5.16 EUR per day
  • Discount for children: None
  • Covid-19 Insurance: No
  • Terms: Rad terms
  • Information document: Read information document

Travel insurance provides the necessary support, advice and covers expenses incurred as a result of a sudden illness or accident (such as medical expenses or transportation). It also helps in the event of a change of flight, lost, damaged or delayed luggage, civil liability or legal assistance abroad.


What to do if something happens during the trip

If something unexpected happens during the trip, which affects the further course of your trip or if there is an accident case in which you or your travel companions have suffered, then travel insurance can be very useful. By yourself anyway the most important thing, of course, is to be careful and safe in any situation, but if we look at it from a travel perspective filing an insurance case to receive compensation from your insurer, then the most important thing to consider it is imperative to contact your insurer immediately to inform them of the situation and listen specialist on how to proceed. That way you will be sure that you are doing everything correctly and you will be able to receive a reward from your own insurer. 3 step action on what to do when an accident has occured while travelling

  1. Make sure of your safety: First and foremost, ensure your safety and that of the people around you, so that it doesn't happen again what's wrong Contact local emergency services immediately if necessary.
  2. Contact your insurer: Contact your insurance company's support as soon as possible center. Almost all insurers provide telephone assistance 24 hours a day, also from abroad, and can provide immediate advice on how to proceed. It is worth saving in your phone in advance before you go on a trip the insurer's telephone number for inquiries, if the Internet is not available, to find the number on the insurer's website.
  3. Get information about the incident: Gather as much information as possible about the incident, regardless of what happened. Get all possible information and documents from the hospital or doctor if it was urgent the medical care you received. If there was a theft, submit a report to the local police, you can additionally take photos of the scene. The more information you have, the easier it will be to file a claim and receive compensation.
  4. Document expenses: Keep detailed records, receipts and invoices for all expenses related to the accident. That could include hospital bills, medications, transportation costs, basic necessities, hotels costs and so on. If your personal belongings were stolen, state what was stolen and state the item the approximate value.
  5. Submit a claim: When you are safe and have all the information you need, submit a claim to your to the insurance company. Most insurance companies allow claims to be submitted online, by phone or sending an email. Submit all necessary information and documents as soon as possible.
  6. Cooperate and follow up: Cooperate with your insurance company after filing a claim. For them may require additional information or documents that you can help provide to make it as easy as possible compensation review process, as well as regularly follows the progress of his compensation case himself.
  7. Right to appeal: If you are not satisfied with the insurer's decision regarding your claim, you have the right to dispute it. Try it first solve it with the insurer itself and if, even after repeated communication, you have the feeling that the matter has not been settled correctly, you can file a dispute for the Ombudsman.
Remember that the risks covered and the process for submitting a claim depend on the specific policy and the specific insurer. Before starting your trip, always familiarize yourself with the related documents of your policy so that understand exactly what is included in the policy coverage and what are the exclusions. If you need to supplement the policy coverage, sure contact your insurer and they will certainly help you supplement the policy with the necessary, just in case you omitted something when initially drawing up the policy or, for example, added or changed it as the trip approached your travel plans.


Can EHIC replace travel insurance

The short answer is no, EHIC cannot replace travel insurance as it has a completely different function. EVAK and travel insurance do not replace each other, but complement each other. The European Health Insurance Card, or EHIC, is a free plastic card that certifies that the holder is a socially insured person from the EU, EEA country or Switzerland. The holder of this card is entitled to the same amount of necessary or emergency medical care during a temporary stay in another EU, EEA country or Switzerland as the residents of that country.

The EHIC can be obtained free of charge either in person Office of the National Health Service or in one of the NSA departments and will be valid for three years from the date of issue of the card.

eiropas veselības apdrošināšanas kartes abas puses

REMEMBER: The EHIC does not cover the cost of the patient's contributions, nor does it cover the costs of repatriating the patient (transport back to the patient's country of residence) if the patient has a serious illness or death. A particularly important aspect of transport could be for visitors to ski resorts, where helicopter take-offs may be required, which, it should be noted, usually cost several thousand. Read more in our article What's EHIC.